Kim Jarvis: Why onshore bonds should be in every adviser's toolkit

A recent study by Canada Life found a quarter of clients hold an offshore bond but just over a third hold an onshore bond. The study also highlighted that 25% of advisers have not written any offshore bonds in the last year quoting anticipated legislative changes and Brexit uncertainty as reasons why - both of which have a very minimal effect on onshore bonds. When advising a client about a lump sum investment it is generally considered good practice to make full use of any available ISA allowance but once this has been used one key decision is which tax wrappers you should use for any s...